互联网金融对银行业的冲击分析

论文总字数：20087字

摘 要

当前是一个信息化的时代，互联网技术在高速发展。随之而来的是其与金融业的有机结合之后新兴起来的互联网金融行业，其在大数据和云计算等方面的优势使其吸引了大量用户的同时也吸收大量的资金，并可以高效利用这些资金。与此同时，银行业则面临着极大的考验，因为互联网金融的崛起使银行业在不少方面都受到了一定的影响与冲击。为了减小互联网金融所带来的冲击和影响，不使银行业自身的利润和利益再受到互联网金融的蚕食，银行业需要有所转型和改变。

而本文将通过对互联网金融和银行业的比较分析，指出新兴的互联网金融和银行业各自都有什么优势和劣势。并通过分析指出在基于互联网金融所具有的优势之下，互联网金融对银行业又造成了哪些方面不可避免的的影响和冲击，如以定期存款为代表的负债业务等，以及指出银行业可以采取的转型和改变以应对互联网金融所造成的冲击与影响，而不是在冲击之下更显颓势。其中如改善和加深与顾客的沟通交流，及时获取他们的反馈并作出相应的反应等就是传统银行业可以采取的众多有效手段之一。

关键词：互联网金融；银行业；银行转型。

Analysis of the impact of Internet finance on banking industry

Abstract

The current is an information age, Internet technology in the rapid development. What follows is the emerging Internet finance industry after its organic combination with the financial industry. Its advantages in big data and cloud computing make it attract a large number of users as well as a large amount of capital, which can be used efficiently. At the same time, the banking industry is facing a great test, because the rise of Internet finance has affected and impacted the banking industry in many aspects. In order to reduce the impact and influence brought by Internet finance and not to make the profits and interests of the banking industry be encroached by Internet finance, the banking industry needs to be transformed and changed.

Through the comparative analysis of Internet finance and banking, this paper points out the advantages and disadvantages of the emerging Internet finance and banking. And through the analysis pointed out that in internet-based financial under the advantages of the Internet financial caused what aspects to banking and inevitable influence and impact, as represented by deposit liabilities of the business, etc., and points out that the Banks can take transformation and change in response to the impact of the Internet financial and influence, not more subdued under impact. Among them, improving and deepening the communication with customers, timely obtaining their feedback and making corresponding responses are one of the many effective means that the traditional banking industry can adopt.

Keywords: Internet finance; banking;bank transformation.

目录

摘要…………………………………………………………………………………………………I

Abstract …………………………………………………………………………………………II

第一章绪论…………………………………………………………………………………………1

1.1研究背景……………………………………………………………………………………1

1.2研究目的和意义……………………………………………………………………………1

1.3论文框架……………………………………………………………………………………2

1.4研究方法……………………………………………………………………………………2

1.4.1辩证分析法 …………………………………………………………………………2

1.4.2比较法 ………………………………………………………………………………3

第二章文献综述……………………………………………………………………………………4

第三章互联网金融和银行业的优缺点……………………………………………………………6

3.1互联网金融的优势所在……………………………………………………………………6

3.1.1大数据和云计算的运用 ……………………………………………………………6

3.1.2交易成本的降低 ……………………………………………………………………6

3.1.3便捷性的存在 ………………………………………………………………………6

3.2银行业的优势所在…………………………………………………………………………6

3.2.1大环境优势 …………………………………………………………………………6

3.2.2运营优势 ……………………………………………………………………………7

3.2.3风险控制优势 ………………………………………………………………………7

3.3银行业的不足之处…………………………………………………………………………8

3.3.1对个人用户的关注度较低 …………………………………………………………8

3.3.2理财产品的限制 ……………………………………………………………………8

3.3.3金融技术的不完善 …………………………………………………………………8

第四章互联网金融对银行业的冲击 ……………………………………………………………10

4.1对银行业负债业务的冲击 ………………………………………………………………10

4.2对银行业资产业务的冲击 ………………………………………………………………12

4.3对银行业中间业务的冲击 ………………………………………………………………12

4.4对银行业人才的冲击 ……………………………………………………………………13

第五章银行业应对冲击的建议…………………………………………………………………14

5.1技术的改进………………………………………………………………………………14

5.2法律的完善………………………………………………………………………………14

5.3顾客的反馈………………………………………………………………………………15

5.4人才的培养………………………………………………………………………………15

第六章总结………………………………………………………………………………………16

致谢………………………………………………………………………………………………17

参考文献（Reference） ………………………………………………………………………18

第一章 绪论

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